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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Marriott Bonvoy Business American Express Card card art
Bonvoy Business 1 of 1
Comparing 1 card
Marriott Bonvoy Business American Express Card card art
American Express
Bonvoy Business
Apply Details
Cost and value $125 fee
Annual fee
$125
Credits you can use a year, if you use every one
None
Fee after credits
$125 a year net cost
Point value per point or mile
0.75¢ Estimate
Rewards currency
Marriott Bonvoy Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 100,000 points, about $750
Bonus
100,000 points + Free Night Award
Estimated value
$750 for the points
Spend to earn it less a month is easier
$8,000 in 180 days about $1,333 a month
Offer ends
Nov 4, 2026
Earning rates Top rate 6x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
4x about 3.0% back
Gas
4x about 3.0% back
Phone, internet & cable
4x about 3.0% back
Shipping
4x about 3.0% back
Everything else
2x about 1.5% back
Only on this card
  • 6x Hotels
Statement credits No credits
Monthly credits to track fewer is less work
0
Certificates and passes 1 free night + 1 with spend, about $262 a year
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Free nights
  • Free Night Award, up to 35,000 points each card year, about $262 a year
  • Free Night Award after $60,000 spend, up to 35,000 points
Yearly value certificates that arrive each card year
about $262
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Marriott Bonvoy Gold Elite
Elite status
  • Marriott Bonvoy: Gold Elite
Other status perks
  • Each calendar year, you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status with your Marriott Bonvoy Business American Express Card. Limitations apply per Marriott Bonvoy member account.
Travel benefits
  • Free in-room, premium Internet access while staying at participating Marriott Bonvoy hotels. Booking requirements apply.
  • Members can redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners worldwide.
  • Receive a 7% discount on eligible bookings at hotels which participate in the Marriott Bonvoy® program as a benefit of being both a Marriott Bonvoy® Member and a Marriott Bonvoy Business® American Express® Card Member when you book directly through an eligible Marriott channel under the Amex Business Card Rate.
  • Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for third-party service provider costs.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Baggage
  • Covers lost, damaged, or stolen baggage when the Entire Fare for a Common Carrier ticket is purchased with the Card. Coverage up to $1,250 for carry-on and up to $500 for checked baggage, in excess of Common Carrier coverage. NY residents have a $10,000 aggregate maximum per Covered Trip.
Rental car
  • Covers damage to or theft of a rental vehicle in a Covered Territory when the Entire Rental is reserved and paid with the Card and the CDW is declined at the counter. Secondary coverage, no liability coverage; some vehicle types/countries excluded.
Extended warranty
  • Extends the terms of the Original Manufacturer's Warranty up to one additional year, applicable to warranties of 5 years or less on Covered Purchases in the U.S. or its territories.
Purchase protection
  • Covers Covered Purchases against theft or accidental damage for up to 90 days from purchase date, up to $1,000 per Covered Purchase and up to $50,000 per Card Member account per calendar year.
Lifestyle and other perks None listed
Employee cards Paid
Cost
Up to 99 employee cards at no cost.
Each one gets
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

  • Marriott Bonvoy 24-month rule Issuer-stated
    What counts

    Marriott Bonvoy welcome bonuses are restricted across both American Express and Chase if you currently hold a conflicting Marriott Bonvoy card or earned a Marriott Bonvoy welcome or upgrade bonus in the past 24 months.

Card type
Business